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Costco vs Texas Farm Bureau: which is better for car insurance in 2026?

Q: Is Costco or Texas Farm Bureau cheaper?

We cannot answer that with published data. Costco does not release public rate information, so no independent study — ours included — can put a national average next to Texas Farm Bureau's Not published. The only way to know is to quote both.

Q: Which handles claims better, Costco or Texas Farm Bureau?

Neither has a clear edge. Costco scores Not rated and Texas Farm Bureau Not rated on the claims measure we use — close enough that the individual adjuster you draw matters more than the company average.

Q: Is Costco better than Texas Farm Bureau overall?

We can't put two scores side by side here. Costco does not publish enough of the underlying data for us to give it an overall score — we would rather say so than compute one from the two or three figures that do exist. Texas Farm Bureau scores undefined out of 5. Compare them on the individual categories above, and on the quotes you actually get.

Q: Can I switch from Costco to Texas Farm Bureau mid-policy?

Yes. Auto policies can be cancelled at any time, and most insurers refund the unused premium pro-rata — though some charge a short-rate cancellation fee, so check your policy before you cancel. The one rule worth following: get the new policy bound and in force before you cancel the old one. Even a single day uninsured can count as a coverage lapse, which raises your rate at the next renewal and, in some states, exposes you to a registration penalty.

CostcoNot scored

Texas Farm BureauNot scored

Across our six scoring categories, Costco comes out ahead in 1, Texas Farm Bureau in 1, with 4 too close to call. There is no overall score to compare, though: Costco does not publish enough of the underlying data to earn one, and we would rather leave it blank than build a number out of the two or three figures that happen to exist. Texas Farm Bureau is the better-documented of the two, which is not the same as being the better insurer for you. Judge these two on the categories where both have real figures — and on what they actually quote you.

Costco vs Texas Farm Bureau, side by side

Category

CostcoRead the full review

Texas Farm BureauRead the full review

Overall scoreWeighted across the six categories below

Not scored

PriceAverage annual full-coverage premium · 25% of score

Not published

This company does not release public rate data

Not published

This company does not release public rate data

Claims satisfactionJ.D. Power 2025 claims study, out of 1,000 · 20% of score

Not rated

Not ranked as its own brand in the J.D. Power 2025 claims study

Not rated

Below the sampling frame of the J.D. Power claims study, which covers only the largest insurers

Complaint recordComplaints relative to company size · 15% of score

2.5More than expected

Complaints relative to company size, NAIC data 2022–2024

5.0Far fewer than expected

Complaints relative to company size, NAIC data 2022–2024

Better

Financial strengthAM Best Financial Strength Rating · 10% of score

4.0A

AM Best Financial Strength Rating

Better

3.0B++

AM Best Financial Strength Rating

DiscountsBreadth of published discounts · 15% of score

3.59 published

Discounts on the carrier's own pages · No branded telematics program found

Not published

No discount list we could read on the carrier's own site

Digital experienceApp ratings and self-service depth · 15% of score

Not published

No app-store presence we could verify

Not published

No app-store presence we could verify

Availability

40 states, members only

1 state — Texas only, and membership is required

Best suited to

Costco Executive Members who value guaranteed renewal

Texas drivers willing to join Farm Bureau for a low-complaint insurer

Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.

Costco vs Texas Farm Bureau across all six categoriesScored 1–5. Longer is better in every category — the price bar already accounts for cheaper being better.

CostcoTexas Farm Bureau

Category by category

Price

Too close to call

Costco does not release public rate data, so there is no like-for-like premium to set against Texas Farm Bureau's Not published. That is a real gap in the comparison, not a rounding error — treat Costco's price as unknown until you have a quote in hand.

Costco

No published premium. The rate study behind every other price on this site does not quote Costco separately, so the price category carries no score.

Texas Farm Bureau

Texas Farm Bureau is not included in the rate study behind every other premium in this review.

Claims satisfaction

Too close to call

Neither pulls ahead on claims satisfaction: Costco posts Not rated and Texas Farm Bureau Not rated, a difference too small to choose on.

Costco

Costco is not a ranked brand in the J.D. Power 2025 claims study. American Family's 702 is measured on a different book of business and is not borrowed here.

Texas Farm Bureau

Not in the J.D. Power claims study, which samples only the largest insurers.

Complaint record

Texas Farm Bureau ahead

Texas Farm Bureau takes complaint record on Far fewer than expected against Costco's More than expected.

Costco

More complaints than expected for its size, per NerdWallet's analysis of 2022–2024 NAIC data — a worse record than American Family's own brand.

Texas Farm Bureau

Far fewer complaints than expected for its size — the strongest band we assign, and comfortably its best measure.

Financial strength

Costco ahead

Costco takes financial strength on A against Texas Farm Bureau's B++.

Costco

AM Best A (Excellent), affirmed in September 2025 for all three companies that underwrite Costco auto policies.

Texas Farm Bureau

AM Best B++ (Good), after downgrades from A (Excellent) to A- in April 2024 and then to B++. That is below the A- floor most comparison sites treat as a minimum.

Discounts

Too close to call

Neither pulls ahead on discounts: Costco posts 9 published and Texas Farm Bureau Not published, a difference too small to choose on.

Costco

Nine published auto discounts, counting the member discount itself. No usage-based program is offered through Costco.

Texas Farm Bureau

No discount list we could read on its own site.

Digital experience

Too close to call

Neither pulls ahead on digital experience: Costco posts Not published and Texas Farm Bureau Not published, a difference too small to choose on.

Costco

No app-store figures we could attribute to the program. Policies are serviced through American Family's account system, and we could not confirm which app Costco policyholders use.

Texas Farm Bureau

No app-store figures we could verify from a primary source.

So which one?

Pick Costco if…

You are among costco executive members who value guaranteed renewal.
Financial strength is a priority; Costco holds A from AM Best.
Availability fits: 40 states, members only.

Read the full Costco review →

Pick Texas Farm Bureau if…

You are among texas drivers willing to join farm bureau for a low-complaint insurer.
You want the lower complaint record — Texas Farm Bureau sits at Far fewer than expected.
Availability fits: 1 state — Texas only, and membership is required.

Read the full Texas Farm Bureau review →

Costco vs Texas Farm Bureau, answered

The questions people ask before switching between these two.

Is Costco or Texas Farm Bureau cheaper?

Which handles claims better, Costco or Texas Farm Bureau?

Is Costco better than Texas Farm Bureau overall?

Can I switch from Costco to Texas Farm Bureau mid-policy?

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